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Maryland Car Insurance Laws and Requirements (2022)

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Insurify is America's highest-rated insurance comparison platform. We partner with the nation's top insurance companies and are licensed as an agent in all 50 states. However, the insurance experts writing our content operate independently of our partners, and you can learn more about how we make money by viewing our advertising disclosures. Also check out reviews from over 3,000 satisfied customers, our data methodology, and our editorial standards.
Charlie Mitchell
Written by
Charlie Mitchell
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Written by
Charlie Mitchell
Insurance Writer
Charlie Mitchell is a journalist, researcher, and writer specializing in personal finance subjects. He holds a degree from Middlebury College. His work can be found in Vox, Mother Jones, The New Republic, and other publications. Charlie uses his expertise in home, renters, and auto insurance subjects to help inform people to make better financial decisions. Connect with Charlie on LinkedIn.
Jackie Cohen
Edited by
Jackie Cohen
Photo of an Insurify author
Edited by
Jackie Cohen
Editorial Manager
Jackie Cohen is an editorial manager at Insurify specializing in property & casualty insurance educational content. She has years of experience analyzing insurance trends and helping consumers better understand their insurance coverage to make informed decisions about their finances.Jackie's work has been cited in USA Today, The Balance, and The Washington Times.

Updated June 17, 2022

Maryland law dictates the minimum requirements for insurance coverage that all drivers must carry. All drivers in Maryland must hold 30/60/15 in liability coverage, personal injury protection, and uninsured/underinsured motorist coverage. Additionally, drivers can pick from a long list of additional coverages for added protection.

Quick Facts

  • Car insurance is required by law in Maryland.

  • Drivers in Maryland must carry 30/60/15 in liability insurance.

  • If caught driving uninsured, drivers face at least $150 in fines.

Minimum Car Insurance Requirements in Maryland

The minimum car insurance requirements in Maryland[1] are:

  • $30,000 for bodily injury liability per person

  • $60,000 for bodily injury liability per accident

  • $15,000 for property damage liability per accident

  • $30,000 for uninsured/underinsured bodily injury liability per person

  • $60,000 for uninsured/underinsured bodily injury liability per accident

  • $15,000 for uninsured/underinsured property damage liability per accident

  • $2,500 for personal injury protection (waiver available)

Maryland is an “at-fault” or tort state, meaning that its auto insurance requirements are limited to liability insurance. Even with low minimum limits for property damage coverage, the state of Maryland has high average premiums, and Baltimore is one of the most expensive cities for car insurance in the country.

Why is car insurance required in Maryland?

Auto insurance protects drivers from financial liability in the event of an accident. Depending on a policy’s specific coverage limitations, car insurance may cover everything from vehicle damage to medical bills.

Bodily Injury Liability

Bodily injury liability is part of your liability car insurance coverage. If you cause an accident, this coverage will help cover the other party’s medical expenses. This type of coverage will not cover your own medical expenses for injuries sustained in a car accident you caused. Bodily injury liability coverage is required in Maryland.

Property Damage Liability

Property damage liability is the other half of your liability car insurance. It covers repair costs and damage expenses to the other cars involved in an accident you caused. This coverage does not cover damage to your own car in an accident you were at fault for. Property damage liability coverage is required in Maryland.

Uninsured/Underinsured Motorist Coverage

If an uninsured (or underinsured) driver causes an accident and you suffer bodily injury, uninsured motorist coverage will cover your medical expenses. If the at-fault driver surpasses their bodily injury liability coverage limits, your underinsured motorist coverage will cover the rest of your medical expenses. This coverage is required in Maryland[2].

Personal Injury Protection

Personal injury protection, also known as PIP, covers medical bills, lost wages, and replacement services for you and other members of your household if you’re injured in a car accident. PIP provides coverage regardless of who is at fault for an accident. Personal injury protection is required in Maryland, but drivers can waive the coverage in writing.

See More: Cheap Car Insurance in Maryland

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Is state minimum car insurance enough in Maryland?

The minimum required car insurance coverage in Maryland provides drivers with a solid foundation of auto insurance coverage, but it may not be enough for everyone. $15,000 in property damage coverage is reasonable, but because medical costs from an auto accident can be so high, Maryland drivers should consider upping their bodily injury liability limits.

In addition, personal injury protection (PIP) coverage is available to Maryland drivers, though it’s not part of the coverage requirements under state law. PIP coverage is additional coverage for your Maryland auto insurance that can help you cover lost income and medical bills in an accident, no matter who is at fault. The minimum is $2,500, but more would be better.

Optional Car Insurance Coverage for Maryland

Maryland drivers who want to be protected in any situation should consider bolstering the minimum car insurance coverage with the following supplemental car insurance coverages:

Collision Coverage

Collision coverage covers damages to your car after a collision with another vehicle or object. If your vehicle is a total loss, collision coverage will reimburse you for the actual cash value of your vehicle. This is a great addition to the required property damage liability coverage in Maryland, which applies only to the damages to the other driver’s vehicle.

Comprehensive Coverage

Complementing your collision coverage, comprehensive insurance covers damage to your vehicle that occurs during an event that is not a collision with another vehicle or object. This may apply in situations of vandalism, theft, weather damage, or a run-in with an animal. Adding comprehensive and collision coverage together creates a full-coverage car insurance policy.

Other Supplemental Coverage

Optional coverages can help bolster your Maryland auto insurance, sometimes without a significant increase to your auto insurance rates. Insurance companies provide roadside assistance and towing if you get in a jam. Others offer rental car reimbursement as an add-on to your car insurance coverage to keep you driving when you need repairs.

See More: Average Cost of Car Insurance in Maryland

Penalties for Driving Uninsured in Maryland

It is illegal to drive in Maryland without the minimum car insurance coverage. If you fail to provide proof of insurance upon request, the Maryland Motor Vehicle Administration (MVA) will fine you $150—and that’s only the beginning.

  • A fine of $150 for the first 30 days

  • A fine of $7 per day after the first 30 days, up to an annual maximum of $2,500

  • Suspension of your vehicle registration and removal of license plates

See More: High-Risk Car Insurance in Maryland

Minimum Requirements for High-Risk Drivers in Maryland

If your driving record piles up with violations and serious convictions—or even if you just get one—your auto insurance rates will go up because you’ll be considered high-risk. Maryland law operates on a point system, so if you earn 12 points or more on your driving record or violate one alcohol restriction, your driver’s license will be revoked for six months.

More Information for High-Risk Drivers in Maryland

DUI Insurance in Maryland

SR-22 Insurance in Maryland

Cheapest Minimum Car Insurance in Maryland

Car insurance companies weigh different factors to determine what to quote drivers on their car insurance policies. Minimum coverage generally means lower car insurance rates. It also means low coverage limits, which may cost you if you’re ever involved in an accident. Here are the cheapest car insurance quotes for minimum coverage in Maryland.

Insurance CompanyMonthly Quote for Minimum Coverage
Progressive$135
Travelers$145
Bristol West$280
Nationwide$219
Liberty Mutual$204
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

See More: Best Car Insurance in Maryland

How to Find Cheap Car Insurance in Maryland

Maryland drivers are under pressure to lower their auto insurance rates. With Insurify, you can compare car insurance quotes from leading insurers in your area all in one place. It’s a critical step towards affordable car insurance premiums.

Frequently Asked Questions

  • Yes. Maryland requires 30/60/15 liability insurance for all drivers. Uninsured motorist coverage is also required on every policy, as is personal injury protection (PIP).

  • No. Maryland is a tort or “at-fault” state, meaning damages from auto accidents are paid out by liability insurance. Maryland drivers have the option to purchase PIP coverage, but they are free to waive it.

  • Yes. Uninsured and underinsured motorist coverages are required by Maryland law, with the same minimum coverage limits as liability insurance.

  • Yes. Before you register your car in Maryland, you must have an active auto insurance policy from an insurance provider licensed in Maryland.

  • It’s stressful to find car insurance you can afford. By far the most effective way to get the best rates for your family is by finding quotes from as many insurance companies as you can. With Insurify, you can compare car insurance quotes for free in one place. It takes just minutes and has saved millions for drivers around the country.

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  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Sources

  1. Maryland Department of Transportation. "Minimum Car Insurance Requirements." Accessed June 14, 2022
  2. Maryland Insurance Administration. "Consumer Guide to Auto Insurance." Accessed June 16, 2022
Charlie Mitchell
Written by
Charlie Mitchell
Linkedin

Insurance Writer

Charlie Mitchell is a journalist, researcher, and writer specializing in personal finance subjects. He holds a degree from Middlebury College. His work can be found in Vox, Mother Jones, The New Republic, and other publications. Charlie uses his expertise in home, renters, and auto insurance subjects to help inform people to make better financial decisions. Connect with Charlie on LinkedIn.

Learn More
Jackie Cohen
Edited by
Jackie Cohen
Linkedin

Editorial Manager

Photo of an Insurify author
Edited by
Jackie Cohen
Editorial Manager
Jackie Cohen is an editorial manager at Insurify specializing in property & casualty insurance educational content. She has years of experience analyzing insurance trends and helping consumers better understand their insurance coverage to make informed decisions about their finances.Jackie's work has been cited in USA Today, The Balance, and The Washington Times.